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    Software - Application
Blend Labs, Inc.

Blend Labs, Inc.

BLND
Blend Labs, Inc.US flagNew York Stock Exchange
1.83
USD
+0.03
- -
441.86MMarket Cap

Income Statement (USD)

APIChatGPT
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Sales/Revenue/Turnover
51
96
234
235
110
116
124
+ Sales & Services Revenue
51
96
234
235
110
116
124
- Cost of Revenue
20
34
119
146
33
33
32
+ Cost of Goods & Services
20
34
119
146
33
33
32
Gross Profit
31
62
116
90
76
83
91
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
113
137
313
371
200
126
112
+ Selling, General & Admin
64
82
213
224
119
80
79
+ Research & Development
49
56
92
138
81
46
33
+ Other Operating Expense
- -
- -
8
8
- -
- -
- -
Operating Income (Loss)
-82
-75
-197
-281
-124
-43
-21
- Non-Operating (Income) Loss
- -
-1
11
485
44
- -
-20
+ Interest Expense, Net
- -
- -
11
25
31
7
- -
+ Interest Expense
- -
- -
11
25
31
7
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
- -
-1
- -
460
13
-7
-20
Pretax Income
-81
-75
-208
-766
-167
-43
-1
- Income Tax Expense (Benefit)
- -
- -
-39
-2
- -
- -
- -
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
-81
-75
-169
-764
-167
-43
-1
- Net Extraordinary Losses (Gains)
- -
- -
4
10
23
13
8
+ Discontinued Operations
- -
- -
- -
- -
-12
-1
-6
+ Extraord. & Accounting Changes
- -
- -
4
10
36
14
14
Income (Loss) Incl. MI
-81
-75
-174
-773
-191
-56
-9
- Minority Interest
- -
- -
-2
-5
-5
-6
-1
Net Income, GAAP
-81
-75
-171
-769
-185
-50
-8
- Preferred Dividends
- -
- -
- -
- -
- -
11
18
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
-81
-75
-171
-769
-185
-60
-26
EBIT
-82
-75
-197
-281
-124
-43
-21
EBITDA
-77
-69
-183
-267
-119
-40
-17
EBITDA Margin (%)
-151.88
-71.79
-78.22
-113.44
-108.83
-34.18
-13.79
EBITA
-82
-75
-197
-281
-124
-43
-21
Gross Margin (%)
61.42
64.29
49.46
38.12
69.79
71.89
73.77
Operating Margin (%)
-161.28
-78.4
-84.11
-119.57
-112.78
-37.11
-16.88
Profit Margin (%)
-160.75
-77.7
-73.07
-326.79
-169.17
-42.85
-6.52
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
6
14
14
4
3
4
Basic Weighted Avg Shares
220
220
132
234
245
254
259
Basic EPS, GAAP
-0.37
-0.34
-1.3
-3.28
-0.76
-0.24
-0.1
Basic EPS from Cont Ops
-0.37
-0.34
-1.28
-3.26
-0.68
-0.17
- -
Diluted Weighted Avg Shares
220
220
132
234
245
254
259
Diluted EPS, GAAP
-0.37
-0.34
-1.3
-3.28
-0.76
-0.24
-0.1
Diluted EPS from Cont Ops
-0.37
-0.34
-1.28
-3.26
-0.68
-0.17
- -

Balance Sheet (USD)

APIChatGPT
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
Total Current Assets
145
186
613
396
170
135
98
+ Cash, Cash Equivalents & STI
127
152
547
354
137
94
68
+ Cash & Cash Equivalents
23
41
213
124
31
38
44
+ ST Investments
105
111
334
230
106
56
25
+ Accounts & Notes Receiv
11
24
39
24
20
17
14
+ Accounts Receivable, Net
3
15
34
23
18
15
9
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
8
9
5
1
2
3
5
+ Inventories
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
7
10
26
18
13
24
15
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
16
30
499
37
36
43
72
+ Property, Plant & Equip, Net
3
17
21
17
13
12
24
+ Property, Plant & Equip
5
21
25
24
22
13
29
- Accumulated Depreciation
2
3
5
7
9
1
4
+ LT Investments & Receivables
- -
- -
- -
- -
5
10
40
+ LT Investments
- -
- -
- -
- -
5
10
40
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
13
12
479
19
18
21
8
+ Total Intangible Assets
4
1
460
2
2
2
- -
+ Goodwill
- -
- -
287
- -
- -
- -
- -
+ Other Intangible Assets
4
1
173
2
2
2
- -
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
9
11
18
17
16
19
8
Total Assets
161
216
1,112
433
206
178
170
+ Payables & Accruals
6
9
30
13
13
9
10
+ Accounts Payable
3
3
6
1
2
2
2
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
3
6
24
11
10
7
8
+ ST Debt
- -
3
4
4
4
3
- -
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
+ ST Finance Leases
- -
3
4
4
4
3
- -
+ Other ST Liabilities
16
23
26
19
15
28
29
+ Deferred Revenue
12
14
8
9
9
19
19
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
4
9
18
10
6
9
10
Total Current Liabilities
22
35
60
35
32
39
39
+ LT Debt
- -
14
228
228
145
- -
1
+ LT Borrowings
- -
- -
214
217
138
- -
- -
+ LT Finance Leases
- -
14
15
11
7
- -
1
+ Other LT Liabilities
5
3
13
5
2
143
160
+ Accrued Liabilities
2
- -
3
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
2
3
11
5
2
143
160
Total Noncurrent Liabilities
5
17
242
233
148
143
161
Total Liabilities
26
52
302
269
179
182
201
+ Preferred Equity and Hybrid Capital
307
385
- -
- -
- -
- -
- -
+ Share Capital & APIC
26
51
1,218
1,287
1,322
1,328
1,361
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
26
51
1,218
1,287
1,322
1,328
1,361
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
-198
-273
-443
-1,163
-1,342
-1,385
-1,392
+ Other Equity
- -
- -
-1
-1
- -
1
1
Equity Before Minority Interest
135
163
775
123
-19
-56
-30
+ Minority/Non Controlling Interest
- -
- -
36
41
46
52
- -
Total Equity
135
163
811
164
27
-4
-30
Total Liabilities & Equity
161
216
1,112
433
206
178
170
Shares Outstanding
220
220
230
241
250
258
256
Number of Employees
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
17
18
15
11
3
1
Net Debt
-23
-41
1
93
107
-38
-44
Net Debt to Equity
-16.78
-25.16
0.09
56.49
398.46
954.81
143.01
Tangible Common Equity Ratio
-111.98
-103.99
53.71
37.57
12.18
-3.44
-17.92
Current Ratio
6.67
5.31
10.21
11.17
5.38
3.47
2.48
Cash Conversion Cycle
- -
-1.04
23.4
34.76
49.49
30.77
15.22

Cash Flow Statement (USD)

APIChatGPT
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
As of date
12/31/2019
12/31/2020
12/31/2021
12/31/2022
12/31/2023
12/31/2024
12/31/2025
+ Net Income
-81
-75
-169
-764
-167
-43
-1
+ Depreciation & Amortization
5
6
14
14
4
3
4
+ Non-Cash Items
14
14
41
563
50
23
13
+ Stock-Based Compensation
10
10
71
110
46
28
29
+ Deferred Income Taxes
- -
- -
-39
- -
- -
- -
- -
+ Asset Impairment Charge
- -
- -
- -
450
- -
- -
- -
+ Other Non-Cash Adj
4
4
9
4
5
-5
-16
+ Chg in Non-Cash Work Cap
4
-11
-13
-4
-4
9
-1
+ (Inc) Dec in Accts Receiv
- -
-12
-6
12
1
5
6
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
-7
-7
-14
9
2
- -
-5
+ Inc (Dec) in Accts Payable
5
6
7
-13
-1
-2
1
+ Inc (Dec) in Other
6
1
- -
-13
-6
7
-3
+ Net Cash From Disc Ops
- -
- -
- -
- -
-11
-5
-3
Cash from Operating Activities
-59
-65
-128
-190
-128
-13
12
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-1
-1
-2
-2
- -
-10
-12
+ Acq of Fixed Prod Assets
-1
-1
-2
-2
- -
-10
-12
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
367
- -
- -
- -
-25
+ Increase in Capital Stock
- -
- -
367
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
-25
+ Net Change in LT Investment
-65
-7
-229
101
130
51
30
+ Dec in LT Investment
86
167
125
247
366
153
70
+ Inc in LT Investment
-151
-174
-354
-146
-236
-102
-39
+ Net Cash From Acq & Div
- -
- -
-400
- -
- -
9
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
9
- -
+ Cash for Acq of Subs
- -
- -
-400
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
- -
- -
-3
- -
-3
-5
- -
+ Net Cash From Disc Ops
- -
- -
- -
- -
-1
- -
- -
Cash from Investing Activities
-66
-8
-634
99
127
45
19
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
5
- -
222
- -
-85
-144
- -
+ Cash From Debt
5
- -
222
- -
- -
- -
- -
+ Repayments of Debt
- -
- -
- -
- -
-85
-144
- -
+ Other Financing Activities
128
91
345
3
-6
123
-8
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
133
91
934
2
-91
-21
-33
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
8
18
172
-89
-91
11
-3
EBITDA
-77
-69
-183
-267
-119
-40
-17
EBITDA Margin (%)
-151.88
-71.79
-78.22
-113.44
-108.83
-34.18
-13.79
Free Cash Flow
-60
-66
-130
-192
-128
-23
- -
Net Cash Paid for Acquisitions
- -
- -
400
- -
- -
-9
- -
Free Cash Flow to Firm
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Equity
- -
12
-293
-192
-213
-178
-18
Free Cash Flow per Basic Share
-0.27
-0.3
-0.98
-0.82
-0.52
-0.09
- -
Price/Free Cash Flow
- -
- -
-7.72
-1.79
-4.9
-323.65
34.07
Cash Flow to Net Income
0.72
0.87
0.74
0.25
0.69
0.26
-1.43
Capital Expenditures
-1
-1
-2
-2
- -
-10
-12